Insurance Planning for RIAs & Financial Advisors

SMS Financial Solutions helps Registered Investment Advisors (RIAs) and Investment Advisor Representatives (IARs) incorporate insurance solutions into comprehensive financial planning — without complicating the process.

We're not here to push products. We're here to help you solve planning problems.

Rethink the Role of Insurance in Financial Planning

Investments

Integrated Financial Plan

A balanced plan for better outcomes

Insurance

As an advisor, you help clients make decisions designed to preserve and grow their wealth.

But some of the biggest risks to a financial plan can't be addressed through investments alone. Longevity. Sequence-of-returns risk. Long-term care. Premature death. Unexpected health care expenses. The need for dependable retirement income.

Insurance can help address these risks while complementing the investment strategy you've already created. That's why we believe insurance is a planning tool — not just a product. 

One Insurance Partner. Three Paths.

You choose the level of involvement that fits your practice.

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The Captain

Already writing insurance? We’ll help you do more. 

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The Copilot

Interested in incorporating insurance? We'll help you get started.

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The Autopilot

Need a reliable insurance referral outlet? We’ll handle it for you. 

Find out which path fits you by downloading our RIA Playbook.

Why SMS Financial Solutions?

Insurance expertise built for holistic advisors.

Access to insurance products isn't what makes SMS different. It's how we help advisors use them.

Our specialists understand that an annuity, life insurance policy or long-term care solution doesn't exist in isolation. It needs to solve a specific client problem and make sense within the advisor's overall financial plan.

Instead of asking "What insurance product can we sell?", we ask "What risk are we trying to solve for — and what solution best supports the client's plan?"

That's what it means to have an insurance planning partner instead of simply an insurance distributor.

SMS Employees Work Hard for Agents and Advisors

Insurance Solutions Designed to Complement the Financial Plan

SMS Financial Solutions has insurance experts who can help you bring together insurance solutions that frequently intersect with financial and retirement planning.

Annuities and Retirement Income
Help clients address longevity risk, sequence-of-returns risk and the need for dependable retirement income with fixed and fixed indexed annuity solutions designed to complement the broader retirement strategy.
Life Insurance
Use life insurance as a planning tool for income protection, estate liquidity, wealth transfer, legacy planning and other client needs.
Long-Term Care Solutions
Help clients prepare for one of the most significant risks to a retirement plan: the potential need for long-term care. SMS can help evaluate traditional LTC insurance as well as hybrid and other insurance-based solutions.
Medicare
Health care doesn't stop being part of the financial picture when a client turns 65. Through SMS' Medicare expertise, advisors can help clients navigate Medicare needs without having to create their own internal Medicare department.

Explore How You Can Expand Your Planning Capabilities Without Complicating Your Process

We’d love the opportunity to learn more about your practice and explore how we can partner to grow your revenue and optimize client outcomes. We’ll share how other advisors are incorporating insurance without losing focus on their core advisory business. With our flexible approach, we can find the right path for your business.
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